Perfolio is a gold-backed lending platform. You buy gold (XAUT, where each token equals exactly 1 ounce of real physical gold stored in Swiss vaults), then borrow digital dollars (USDT, each worth exactly $1, convertible to your local currency) against your gold. No credit checks needed. No monthly EMI payments. No repayment deadlines. Your gold stays yours throughout. When you repay the loan, you get your gold back. It works like a modern digital gold pawn shop, but without the middleman, the paperwork, or the fees.

Gold (XAUT) is a digital gold token issued by Tether (the same company behind USDT stablecoins). Each gold token (XAUT) represents exactly 1 troy ounce of real physical gold, stored in LBMA-certified vaults in Switzerland. The gold reserves are independently audited every quarter by BDO Italia. Unlike gold ETFs, gold (XAUT) is redeemable for actual physical gold bars. Think of it as a digital certificate of ownership for gold in a vault: you own the gold, XAUT is your proof.

How does borrowing work?

Borrowing on Perfolio works in four simple steps. First, you buy gold (XAUT tokens) through the Perfolio app using your bank transfer or existing digital dollars (USDT). Second, you deposit your gold (XAUT) into the lending vault; think of this as locking your gold as security. Third, you receive digital dollars (USDT, worth $1 each) instantly, up to 77% of your gold's value. Fourth, you convert those digital dollars to your local currency (Indian Rupees, UAE Dirhams, Euros, etc.) and withdraw to your bank account. Your gold remains safely locked in the vault throughout. When you repay the loan, your gold is returned to you.

What interest rate will I pay?

Perfolio charges a variable interest rate starting from approximately 3% per year (APR, or Annual Percentage Rate). This means if you borrow $1,000 for a full year, you would pay about $30 in interest. The rate is not fixed; it goes up or down based on supply and demand in the lending market. You can see your current rate at any time in your Perfolio dashboard. There are no fixed monthly payments; interest accrues daily on whatever amount you have borrowed.

Are there repayment deadlines?

No. There are no repayment deadlines, no EMIs (equated monthly installments), and no fixed repayment schedule. You repay on your own terms, partially or fully, whenever you choose. You could repay after one week, one month, or one year. The only ongoing cost is interest, which accrues daily on your outstanding loan balance. Your gold collateral is returned to you as soon as the full loan amount plus accrued interest is repaid.

Where is my gold stored?

Your gold (XAUT tokens) represents physical gold bars stored in LBMA-certified (London Bullion Market Association) vaults in Switzerland. These are professional-grade precious metals storage facilities, the same standard used by central banks and institutional investors. The gold is fully insured. Tether, the issuer of XAUT, publishes independently audited reserve reports every quarter, conducted by BDO Italia, confirming that every gold token (XAUT) in circulation is backed by a real ounce of physical gold.

What fees does Perfolio charge?

Perfolio charges interest only on the amount you have borrowed, nothing else. There are no origination fees (fees for creating the loan), no account maintenance fees, no deposit fees, no withdrawal fees, and no hidden charges of any kind. You pay interest daily on your outstanding loan balance at the variable market rate, which starts from approximately 3% APR. If you borrow $1,000 for 30 days at 3% APR, you pay roughly $2.50 in total interest.

Is the lending protocol secure?

Perfolio uses an independently audited smart contract as its lending infrastructure. It is a non-custodial lending protocol deployed on Ethereum, one of the most widely used and tested blockchain networks in the world. Non-custodial means no single company (including Perfolio) can access or freeze your funds. The protocol has been independently audited by multiple leading security firms and handles billions of dollars in assets. All transactions are recorded publicly on the Ethereum blockchain, meaning you can verify every deposit, loan, and repayment yourself.

Is Perfolio a cryptocurrency app?

No. Perfolio is a gold lending platform that uses blockchain technology under the hood, similar to how Uber uses GPS technology, but you don't need to understand GPS to take a ride. You interact with gold and money, not with cryptocurrency. The blockchain ensures your transactions are transparent, secure, and instant.

What is USDT and how do I use it?

USDT (Tether USD) is a digital currency worth exactly $1. Think of it as digital dollars that you can send anywhere instantly. When you borrow on Perfolio, you receive USDT. You can then convert USDT to your local currency (Indian Rupees, UAE Dirhams, Euros, British Pounds, and more) through Perfolio's licensed payment provider and withdraw to your bank account.

What does 'digital gold' mean?

Digital gold means you own a token that represents real physical gold stored in a vault. Instead of keeping gold bars at home or in a bank locker, you hold a digital certificate (XAUT token) that proves you own that gold. The advantage: you can buy fractional amounts (as little as $10 worth), trade 24/7, and use your gold as collateral for instant loans. These are things you can't do with physical gold.

How does the lending technology work?

Perfolio's loans are powered by an audited smart contract, which is automated banking software that runs on the Ethereum blockchain. Instead of a bank officer processing your loan (which takes days and involves paperwork), the smart contract processes it in seconds with no human intervention. The protocol has been independently audited by multiple leading security firms and handles billions of dollars in loans.

What is LTV (Loan-to-Value)?

LTV stands for Loan-to-Value ratio. It's how much you can borrow relative to your gold's value. Perfolio allows up to 77% LTV. Example: if your gold is worth $10,000, you can borrow up to $7,700. The remaining $2,300 acts as a safety buffer in case gold price drops. A lower LTV means a safer position.

What happens if gold price drops while I have a loan?

If gold price drops significantly, your loan may become under-collateralized (meaning your gold is no longer worth enough to back your loan). In this case, the lending protocol may automatically sell some of your gold to repay part of the loan. This is called liquidation. Perfolio shows your 'health factor' in real-time so you can take action before this happens: either add more gold collateral or repay part of your loan.

Do I need to understand blockchain or crypto to use Perfolio?

Not at all. Perfolio is designed for people who want to use gold as a financial tool, not for crypto experts. You buy gold, you borrow money, you repay when you want. The blockchain technology works in the background to make everything faster, cheaper, and more transparent, but you never need to interact with it directly.

What if my investment fails?

Your gold position is separate from your investment. Your gold is safe as long as you maintain your LTV ratio.

What LTV should I choose?

50% LTV gives a massive 50%+ safety buffer. 77% LTV maximizes capital but requires more active management.

Can I borrow for any investment?

Yes. Once borrowed, the funds are yours. Invest in stocks, real estate, startups, or any opportunity.

Unlock Liquidity

Leverage Gold, Seize Opportunities

Deploy capital from your gold without selling it. Multiply your portfolio power.

Investment Leverage Calculator

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Unlock capital from your gold without selling it

Gold You Own10 oz (AED 162,320)

Loan-to-Value77%

Deployable Capital

AED 124,986

Annual cost: AED 4,686

If 15% Return

AED 14,062 net

Gold still yours ✓

1.8x portfolio exposure

Deploy AED 124,986 while your gold keeps appreciating

Live gold: AED 16,232.05/oz · Borrow rate: 3.75% · Investment returns not guaranteed · For illustration only

XAUTAED 16,232

Borrow Rate3.75%

Your GoldStill Yours

Strategy Breakdown

How to deploy capital from 10 oz of gold at 77% LTV while it keeps growing

Step 1

Lock gold

10 oz (AED 162,320)

Deposit as collateral

Step 2

Borrow 77%

AED 124,986

Deploy into investments

Step 3

Double upside

+AED 33,541

Investment returns + gold growth

Borrowing costs

Gold locked10 oz (AED 162,320)

Borrowed at 77% LTVAED 124,986

Borrow rate3.75% / yr

Annual borrow cost-AED 4,686

Investment returns (if 15%)

Gross return+AED 18,748

Minus borrow cost-AED 4,686

Net investment profit+AED 14,062

Gold growth

Gold value after 1 yrAED 181,800

Gold appreciation+AED 19,479

Combined 1yr return (1.8x exposure)+AED 33,541

Based on 12% avg. annual gold growth · Live gold: AED 16,232.05/oz · Borrow: 3.75% · Investment return assumed at 15% · For illustration only

The Comparison

Borrow & Deploy

Deploy capital while gold keeps growing

Instant liquidity for time-sensitive deals

No selling. Gold stays in your portfolio

Potential for returns on both assets

Sell Gold

Lose gold upside permanently

Selling takes time, miss opportunities

Tax events from selling gold

Single asset exposure only

How It Works

Lock gold

Deposit your gold (XAUT). Choose 50% or 77% LTV based on risk appetite.

Deploy capital

Invest borrowed funds in opportunities: stocks, startups, crypto, real estate.

Double upside

If investments pay off, you profit on both gold AND your investment.

Key Outcomes

Portfolio exposure

Instant

Capital deployment

100%

Gold ownership retained

FAQ

Unlock Your Gold's Potential

Deploy capital without selling your gold. Seize opportunities instantly.